This page covers how StackPicks accepts payments from customers outside India. It supplements the Terms of Service, Refund Policy, and Delivery Policy. We comply with Indian foreign-exchange law (FEMA, 1999), RBI cross-border digital payments guidelines, and the relevant OECD / G20 digital service tax norms.
1. Service & price (international customers)
- Service: lifetime membership to the StackPicks directory — same product as Indian customers receive
- Price: $2.99 USD, one-time payment
- Acceptance methods: international credit and debit cards (Visa, MasterCard, AMEX) processed through Razorpay's international card acquiring
- Settlement currency: all proceeds settle to StackPicks's Indian bank account in INR after Razorpay's FX conversion
- Customer billing: your card statement shows the USD charge plus any cross-border fee your bank applies. We do not add a surcharge ourselves
2. Currency conversion & FX rate
We display prices in USD for clarity. Razorpay performs the USD→INR conversion at the prevailing wholesale rate at transaction time plus their published conversion margin. We do not control or mark up this rate. The rate at purchase is the rate used for any future refund — see § 6 below.
3. FEMA / RBI compliance
Inward remittances from international customers are received against RBI Purpose Code P0807 (Other Information Services — subscriptions to online publications and databases). This is the standard purpose code for paid digital directory services.
- StackPicks is operated by Piyush Jangir as a sole proprietorship in India
- All cross-border receipts are routed through Razorpay, an RBI-authorised payment aggregator
- FIRC (Foreign Inward Remittance Certificate) documentation is handled by Razorpay and shared with us for tax filing
- We file annual GST returns under the LUT scheme for export of services where applicable
4. Taxes
- For Indian customers: GST is collected at applicable rates; an Indian GSTIN can be added at checkout for B2B invoices
- For international customers: StackPicks does not collect local taxes (VAT / GST / sales tax) in your jurisdiction. You are responsible for any reverse-charge or self-assessment your country requires
- Indian export classification: sales to international customers are treated as export of digital services under Section 2(6) of the IGST Act (where the place of supply is outside India and consideration is received in foreign currency)
5. Restricted countries
We do not accept payments from countries currently subject to Indian RBI sanctions or Indian export-control law, including but not limited to:
- Countries on the Indian Ministry of External Affairs travel-restricted list
- Countries on the FATF black/grey list where Indian banks block remittances
- Specific jurisdictions where Razorpay's international acquiring is unavailable (most cards from these regions are declined at checkout)
If your card is declined and you believe it is in error, email stackpicks.dev@gmail.com. We can advise alternative payment routes (PayPal-as-MoR, USDC, manual invoice) in some cases.
6. Cross-border refunds
- Cooling-off period: identical to Indian customers — full refund within 7 days of purchase, no questions asked
- Currency: refunds are issued in the original transaction currency (USD) at the FX rate Razorpay used at purchase. You will not be reimbursed for FX-rate shifts between purchase and refund
- Settlement time: 7-15 business days for international cards (your card-issuing bank's timing — out of our control)
- Cross-border fees: some banks charge a non-refundable cross-border or FX-conversion fee at the original transaction. Razorpay refunds the principal; your bank's ancillary fees remain at your bank's discretion
- Process: email stackpicks.dev@gmail.com with your Razorpay payment ID (begins with
pay_) and the email used at checkout
7. Chargebacks & disputes
Please contact us first before initiating a bank-level chargeback. Direct chargebacks cost both parties Razorpay's dispute fee, slow resolution, and may flag your card with your bank. We will always attempt resolution in good faith. Razorpay's dispute process applies as a backstop if direct contact fails.
8. Data residency
- Account + activity data: stored in India (ap-south-1, Mumbai) on Supabase infrastructure
- Payment data: held by Razorpay (PCI-DSS Level 1, India-headquartered). We never store card numbers
- Server logs / email metadata: minimal retention, see Privacy Policy
9. Service availability for international customers
- Service is delivered over the public internet — accessible globally subject to local laws
- English-language only — we do not currently localise the directory into other languages
- Customer support is responsive to UTC business hours (10:00–18:00 IST = 04:30–12:30 UTC) — see Contact
10. Governing law
Notwithstanding international payment processing, the contract between you and StackPicks is governed by the laws of India. Any dispute is subject to the exclusive jurisdiction of the courts at Gurgaon, Haryana, India — see Terms § 14 for the full clause.
11. Changes to this policy
We update this policy when our practices change or when RBI / FEMA requirements evolve. Material changes are announced 30 days in advance via the newsletter and a banner on the site. The “last updated” date at the top reflects the latest revision.
12. Contact
International payment queries: stackpicks.dev@gmail.com · +91 9667879848
Response time: within 48 hours on business days. Operating hours: Monday – Friday, 10:00 – 18:00 IST.